From Senegal to Somalia and Egypt to South Africa, credit alert notifications from fintech apps such as Western Union or WorldRemit often set the mood for the rest of the day, week or even month. Transfers from workers within the continent and the diaspora to their relatives are often referred to as the ?black tax?, whereby one person?s salary and relative success can become the safety net for a whole extended family. For those sending money, the payments are both a burden and badge of pride. In Nigeria?s economic engine, Lagos, salaried workers surveyed last year said that an average of 20% of their monthly wages went to supporting relatives. In South Africa, where unemployment is above...